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v3.19.3

Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | Major categories of loans are summarized as follows (in thousands):
|  | September 30, 2019 |  | December 31, 2018
|  | PCI Loans 1 |  | All Other Loans 2 |  | Total |  | PCI Loans 1 |  | All Other Loans 2 |  | Total
Commercial real estate |  | $ | 17,880 |  |  | $ | 872,582 |  |  | $ | 890,462 |  |  | $ | 17,682 |  |  | $ | 842,345 |  |  | $ | 860,027 |
Consumer real estate |  | 7,169 |  |  | 398,362 |  |  | 405,531 |  |  | 8,712 |  |  | 398,542 |  |  | 407,254 |
Construction and land development |  | 4,629 |  |  | 215,122 |  |  | 219,751 |  |  | 4,602 |  |  | 183,293 |  |  | 187,895 |
Commercial and industrial |  | 434 |  |  | 340,773 |  |  | 341,207 |  |  | 2,557 |  |  | 305,697 |  |  | 308,254 |
Consumer and other |  | 359 |  |  | 10,437 |  |  | 10,796 |  |  | 605 |  |  | 13,204 |  |  | 13,809 |
Total loans |  | 30,471 |  |  | 1,837,276 |  |  | 1,867,747 |  |  | 34,158 |  |  | 1,743,081 |  |  | 1,777,239 |
Less: Allowance for loan losses |  | (116 | ) |  | (9,676 | ) |  | (9,792 | ) |  | — |  |  | (8,275 | ) |  | (8,275 | )
Loans, net |  | $ | 30,355 |  |  | $ | 1,827,600 |  |  | $ | 1,857,955 |  |  | $ | 34,158 |  |  | $ | 1,734,806 |  |  | $ | 1,768,964 |
1 Purchased Credit Impaired loans (“PCI loans”) are loans with evidence of credit deterioration at purchase. 2 Includes loans held for sale.
Schedule of Impaired and Performing Loans Receivable | The composition of loans by loan classification for impaired and performing loan status is summarized in the tables below (in thousands):
|  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Performing loans |  | $ | 872,325 |  |  | $ | 397,217 |  |  | $ | 214,422 |  |  | $ | 340,322 |  |  | $ | 10,437 |  |  | $ | 1,834,723 |
Impaired loans |  | 257 |  |  | 1,145 |  |  | 700 |  |  | 451 |  |  | — |  |  | 2,553 |
|  | 872,582 |  |  | 398,362 |  |  | 215,122 |  |  | 340,773 |  |  | 10,437 |  |  | 1,837,276 |
PCI loans |  | 17,880 |  |  | 7,169 |  |  | 4,629 |  |  | 434 |  |  | 359 |  |  | 30,471 |
Total loans |  | $ | 890,462 |  |  | $ | 405,531 |  |  | $ | 219,751 |  |  | $ | 341,207 |  |  | $ | 10,796 |  |  | $ | 1,867,747 |
December 31, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Performing loans |  | $ | 841,709 |  |  | $ | 397,306 |  |  | $ | 182,746 |  |  | $ | 304,673 |  |  | $ | 13,088 |  |  | $ | 1,739,522 |
Impaired loans |  | 636 |  |  | 1,236 |  |  | 547 |  |  | 1,024 |  |  | 116 |  |  | 3,559 |
|  | 842,345 |  |  | 398,542 |  |  | 183,293 |  |  | 305,697 |  |  | 13,204 |  |  | 1,743,081 |
PCI loans |  | 17,682 |  |  | 8,712 |  |  | 4,602 |  |  | 2,557 |  |  | 605 |  |  | 34,158 |
Total loans |  | $ | 860,027 |  |  | $ | 407,254 |  |  | $ | 187,895 |  |  | $ | 308,254 |  |  | $ | 13,809 |  |  | $ | 1,777,239 |
Schedule of Allowance for Loan Losses for Impaired and Performing Loans Receivable | The following tables show the allowance for loan losses allocation by loan classification for impaired, PCI, and performing loans (in thousands):
|  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Performing loans |  | $ | 4,225 |  |  | $ | 1,983 |  |  | $ | 1,043 |  |  | $ | 1,725 |  |  | $ | 71 |  |  | $ | 9,047 |
Impaired loans |  | — |  |  | 206 |  |  | — |  |  | 423 |  |  | — |  |  | 629 |
|  | 4,225 |  |  | 2,189 |  |  | 1,043 |  |  | 2,148 |  |  | 71 |  |  | 9,676 |
PCI loans |  | 35 |  |  | 81 |  |  | — |  |  | — |  |  | — |  |  | 116 |
Total loans |  | $ | 4,260 |  |  | $ | 2,270 |  |  | $ | 1,043 |  |  | $ | 2,148 |  |  | $ | 71 |  |  | $ | 9,792 |
December 31, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Performing loans |  | $ | 3,639 |  |  | $ | 1,763 |  |  | $ | 795 |  |  | $ | 1,304 |  |  | $ | 240 |  |  | $ | 7,741 |
Impaired loans |  | — |  |  | 26 |  |  | — |  |  | 442 |  |  | 66 |  |  | 534 |
|  | 3,639 |  |  | 1,789 |  |  | 795 |  |  | 1,746 |  |  | 306 |  |  | 8,275 |
PCI loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 3,639 |  |  | $ | 1,789 |  |  | $ | 795 |  |  | $ | 1,746 |  |  | $ | 306 |  |  | $ | 8,275 |
Schedule of Financing Receivable Allowance for Credit Losses | The following tables detail the changes in the allowance for loan losses by loan classification (in thousands):
|  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
Three Months Ended September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,102 |  |  | $ | 2,189 |  |  | $ | 946 |  |  | $ | 1,746 |  |  | $ | 114 |  |  | $ | 9,097 |
Charged off loans |  | (36 | ) |  | (1 | ) |  | — |  |  | (20 | ) |  | (50 | ) |  | (107 | )
Recoveries of charge-offs |  | 39 |  |  | 17 |  |  | 3 |  |  | 12 |  |  | 7 |  |  | 78 |
Provision (reallocation) charged to expense |  | 155 |  |  | 65 |  |  | 94 |  |  | 410 |  |  | — |  |  | 724 |
Ending balance |  | $ | 4,260 |  |  | $ | 2,270 |  |  | $ | 1,043 |  |  | $ | 2,148 |  |  | $ | 71 |  |  | $ | 9,792 |
Three Months Ended September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,135 |  |  | $ | 1,528 |  |  | $ | 744 |  |  | $ | 1,367 |  |  | $ | 300 |  |  | $ | 7,074 |
Charged off loans |  | — |  |  | (2 | ) |  | — |  |  | (100 | ) |  | (156 | ) |  | (258 | )
Recoveries of charge-offs |  | — |  |  | 5 |  |  | 2 |  |  | 9 |  |  | 22 |  |  | 38 |
Provision (reallocation) charged to expense |  | 110 |  |  | 67 |  |  | (37 | ) |  | 86 |  |  | 76 |  |  | 302 |
Ending balance |  | $ | 3,245 |  |  | $ | 1,598 |  |  | $ | 709 |  |  | $ | 1,362 |  |  | $ | 242 |  |  | $ | 7,156 |
|  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
Nine Months Ended September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,639 |  |  | $ | 1,789 |  |  | $ | 795 |  |  | $ | 1,746 |  |  | $ | 306 |  |  | $ | 8,275 |
Charged off loans |  | (36 | ) |  | (3 | ) |  | — |  |  | (353 | ) |  | (260 | ) |  | (652 | )
Recoveries of charge-offs |  | 63 |  |  | 37 |  |  | 7 |  |  | 66 |  |  | 82 |  |  | 255 |
Provision (reallocation) charged to expense |  | 594 |  |  | 447 |  |  | 241 |  |  | 689 |  |  | (57 | ) |  | 1,914 |
Ending balance |  | $ | 4,260 |  |  | $ | 2,270 |  |  | $ | 1,043 |  |  | $ | 2,148 |  |  | $ | 71 |  |  | $ | 9,792 |
Nine Months Ended September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,465 |  |  | $ | 1,596 |  |  | $ | 521 |  |  | $ | 1,062 |  |  | $ | 216 |  |  | $ | 5,860 |
Charged off loans |  | (38 | ) |  | (27 | ) |  | — |  |  | (178 | ) |  | (257 | ) |  | (500 | )
Recoveries of charge-offs |  | — |  |  | 55 |  |  | 7 |  |  | 65 |  |  | 62 |  |  | 189 |
Provision (reallocation) charged to expense |  | 818 |  |  | (26 | ) |  | 181 |  |  | 413 |  |  | 221 |  |  | 1,607 |
Ending balance |  | $ | 3,245 |  |  | $ | 1,598 |  |  | $ | 709 |  |  | $ | 1,362 |  |  | $ | 242 |  |  | $ | 7,156 |
Financing Receivable Credit Quality Indicators | The following tables outline the amount of each loan classification and the amount categorized into each risk rating (in thousands):
|  | September 30, 2019
Non PCI Loans: |  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
Pass |  | $ | 856,238 |  |  | $ | 394,525 |  |  | $ | 209,029 |  |  | $ | 332,165 |  |  | $ | 10,273 |  |  | $ | 1,802,230 |
Watch |  | 15,488 |  |  | 2,503 |  |  | 5,164 |  |  | 7,433 |  |  | 42 |  |  | 30,630 |
Special mention |  | 489 |  |  | 9 |  |  | 155 |  |  | 612 |  |  | 1 |  |  | 1,266 |
Substandard |  | 367 |  |  | 1,159 |  |  | 774 |  |  | 556 |  |  | 97 |  |  | 2,953 |
Doubtful |  | — |  |  | 166 |  |  | — |  |  | 7 |  |  | 24 |  |  | 197 |
Total |  | $ | 872,582 |  |  | $ | 398,362 |  |  | $ | 215,122 |  |  | $ | 340,773 |  |  | $ | 10,437 |  |  | $ | 1,837,276 |
PCI Loans: |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 13,760 |  |  | $ | 4,969 |  |  | $ | 516 |  |  | $ | 53 |  |  | $ | 325 |  |  | $ | 19,623 |
Watch |  | 2,497 |  |  | 383 |  |  | 4,113 |  |  | 1 |  |  | 15 |  |  | 7,009 |
Special mention |  | 886 |  |  | 435 |  |  | — |  |  | — |  |  | 5 |  |  | 1,326 |
Substandard |  | 737 |  |  | 1,382 |  |  | — |  |  | 380 |  |  | 14 |  |  | 2,513 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 17,880 |  |  | $ | 7,169 |  |  | $ | 4,629 |  |  | $ | 434 |  |  | $ | 359 |  |  | $ | 30,471 |
Total loans |  | $ | 890,462 |  |  | $ | 405,531 |  |  | $ | 219,751 |  |  | $ | 341,207 |  |  | $ | 10,796 |  |  | $ | 1,867,747 |
|  | December 31, 2018
Non PCI Loans: |  | Commercial Real Estate |  | Consumer Real Estate |  | Construction and Land Development |  | Commercial and Industrial |  | Consumer and Other |  | Total
Pass |  | $ | 834,912 |  |  | $ | 394,728 |  |  | $ | 182,524 |  |  | $ | 303,805 |  |  | $ | 12,927 |  |  | $ | 1,728,896 |
Watch |  | 6,791 |  |  | 2,678 |  |  | 64 |  |  | 1,090 |  |  | 135 |  |  | 10,758 |
Special mention |  | — |  |  | 14 |  |  | 158 |  |  | 137 |  |  | — |  |  | 309 |
Substandard |  | 642 |  |  | 1,122 |  |  | 547 |  |  | 462 |  |  | 142 |  |  | 2,915 |
Doubtful |  | — |  |  | — |  |  | — |  |  | 203 |  |  | — |  |  | 203 |
Total |  | $ | 842,345 |  |  | $ | 398,542 |  |  | $ | 183,293 |  |  | $ | 305,697 |  |  | $ | 13,204 |  |  | $ | 1,743,081 |
PCI Loans: |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 14,050 |  |  | $ | 5,617 |  |  | $ | 4,033 |  |  | $ | 2,382 |  |  | $ | 541 |  |  | $ | 26,623 |
Watch |  | 1,805 |  |  | 756 |  |  | 569 |  |  | — |  |  | 17 |  |  | 3,147 |
Special mention |  | 1,030 |  |  | 446 |  |  | — |  |  | 50 |  |  | 10 |  |  | 1,536 |
Substandard |  | 797 |  |  | 1,893 |  |  | — |  |  | 125 |  |  | 37 |  |  | 2,852 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 17,682 |  |  | $ | 8,712 |  |  | $ | 4,602 |  |  | $ | 2,557 |  |  | $ | 605 |  |  | $ | 34,158 |
Total loans |  | $ | 860,027 |  |  | $ | 407,254 |  |  | $ | 187,895 |  |  | $ | 308,254 |  |  | $ | 13,809 |  |  | $ | 1,777,239 |
Past Due Financing Receivables | The following tables present an aging analysis of our loan portfolio (in thousands):
|  | September 30, 2019
|  | 30-60 Days Past Due and Accruing |  | 61-89 Days Past Due and Accruing |  | Past Due 90 Days or More and Accruing |  | Nonaccrual |  | Total Past Due and Nonaccrual |  | PCI Loans |  | Current Loans |  | Total Loans
Commercial real estate |  | $ | 175 |  |  | $ | — |  |  | $ | — |  |  | $ | 124 |  |  | $ | 299 |  |  | $ | 17,880 |  |  | $ | 872,283 |  |  | $ | 890,462 |
Consumer real estate |  | 321 |  |  | 391 |  |  | 497 |  |  | 1,403 |  |  | 2,612 |  |  | 6,672 |  |  | 396,247 |  |  | 405,531 |
Construction and land development |  | 271 |  |  | — |  |  | — |  |  | 621 |  |  | 892 |  |  | 4,629 |  |  | 214,230 |  |  | 219,751 |
Commercial and industrial |  | 684 |  |  | 166 |  |  | 95 |  |  | 377 |  |  | 1,322 |  |  | 339 |  |  | 339,546 |  |  | 341,207 |
Consumer and other |  | 184 |  |  | 77 |  |  | 16 |  |  | 39 |  |  | 316 |  |  | 343 |  |  | 10,137 |  |  | 10,796 |
Total |  | $ | 1,635 |  |  | $ | 634 |  |  | $ | 608 |  |  | $ | 2,564 |  |  | $ | 5,441 |  |  | $ | 29,863 |  |  | $ | 1,832,443 |  |  | $ | 1,867,747 |
|  | December 31, 2018
|  | 30-60 Days Past Due and Accruing |  | 61-89 Days Past Due and Accruing |  | Past Due 90 Days or More and Accruing |  | Nonaccrual |  | Total Past Due and Nonaccrual |  | PCI Loans |  | Current Loans |  | Total Loans
Commercial real estate |  | $ | 377 |  |  | $ | 19 |  |  | $ | — |  |  | $ | 272 |  |  | $ | 668 |  |  | $ | 17,682 |  |  | $ | 841,677 |  |  | $ | 860,027 |
Consumer real estate |  | 1,168 |  |  | 462 |  |  | 454 |  |  | 844 |  |  | 2,928 |  |  | 8,712 |  |  | 395,614 |  |  | 407,254 |
Construction and land development |  | 343 |  |  | — |  |  | — |  |  | 547 |  |  | 890 |  |  | 4,602 |  |  | 182,403 |  |  | 187,895 |
Commercial and industrial |  | 155 |  |  | — |  |  | 101 |  |  | 909 |  |  | 1,165 |  |  | 2,557 |  |  | 304,532 |  |  | 308,254 |
Consumer and other |  | 117 |  |  | — |  |  | 29 |  |  | 124 |  |  | 270 |  |  | 605 |  |  | 12,934 |  |  | 13,809 |
Total |  | $ | 2,160 |  |  | $ | 481 |  |  | $ | 584 |  |  | $ | 2,696 |  |  | $ | 5,921 |  |  | $ | 34,158 |  |  | $ | 1,737,160 |  |  | $ | 1,777,239 |
Impaired Financing Receivables | The following is an analysis of the impaired loan portfolio, including PCI loans, detailing the related allowance recorded (in thousands):
|  | September 30, 2019 |  | December 31, 2018
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
Impaired loans without a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 257 |  |  | $ | 262 |  |  | $ | — |  |  | $ | 636 |  |  | $ | 648 |  |  | $ | — |
Consumer real estate |  | 751 |  |  | 751 |  |  | — |  |  | 1,073 |  |  | 1,089 |  |  | — |
Construction and land development |  | 700 |  |  | 700 |  |  | — |  |  | 547 |  |  | 547 |  |  | — |
Commercial and industrial |  | — |  |  | — |  |  | — |  |  | 69 |  |  | 70 |  |  | — |
Consumer and other |  | — |  |  | — |  |  | — |  |  | 29 |  |  | 33 |  |  | — |
|  | 1,708 |  |  | 1,713 |  |  | — |  |  | 2,354 |  |  | 2,387 |  |  | — |
Impaired loans with a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate |  | 394 |  |  | 394 |  |  | 206 |  |  | 163 |  |  | 205 |  |  | 26 |
Construction and land development |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial |  | 451 |  |  | 451 |  |  | 423 |  |  | 955 |  |  | 973 |  |  | 442 |
Consumer and other |  | — |  |  | — |  |  | — |  |  | 87 |  |  | 87 |  |  | 66 |
|  | 845 |  |  | 845 |  |  | 629 |  |  | 1,205 |  |  | 1,265 |  |  | 534 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 2,516 |  |  | 2,834 |  |  | 35 |  |  | — |  |  | — |  |  | — |
Consumer real estate |  | 1,206 |  |  | 1,261 |  |  | 81 |  |  | — |  |  | — |  |  | — |
|  | 3,722 |  |  | 4,095 |  |  | 116 |  |  | — |  |  | — |  |  | — |
Total impaired loans |  | $ | 6,275 |  |  | $ | 6,653 |  |  | $ | 745 |  |  | $ | 3,559 |  |  | $ | 3,652 |  |  | $ | 534 |
|  | Three Months Ended September 30,
|  | 2019 |  | 2018
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans without a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 258 |  |  | $ | 3 |  |  | $ | 1,117 |  |  | $ | 12 |
Consumer real estate |  | 568 |  |  | 4 |  |  | 887 |  |  | 10 |
Construction and land development |  | 701 |  |  | 3 |  |  | 547 |  |  | — |
Commercial and industrial |  | — |  |  | — |  |  | 77 |  |  | 2 |
Consumer and other |  | — |  |  | — |  |  | 16 |  |  | 1 |
|  | 1,527 |  |  | 10 |  |  | 2,644 |  |  | 25 |
Impaired loans with a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate |  | 396 |  |  | 4 |  |  | 290 |  |  | 2 |
Construction and land development |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial |  | 352 |  |  | 1 |  |  | 393 |  |  | 5 |
Consumer and other |  | — |  |  | — |  |  | 73 |  |  | 1 |
|  | 748 |  |  | 5 |  |  | 756 |  |  | 8 |
PCI loans: |  |  |  |  |  |  |  |
Commercial real estate |  | 2,520 |  |  | — |  |  | 29 |  |  | — |
Consumer real estate |  | 1,151 |  |  | — |  |  | — |  |  | — |
|  | 3,671 |  |  | — |  |  | 29 |  |  | — |
Total impaired loans |  | $ | 5,946 |  |  | $ | 15 |  |  | $ | 3,429 |  |  | $ | 33 |
|  | Nine Months Ended September 30,
|  | 2019 |  | 2018
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans without a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 435 |  |  | $ | 28 |  |  | $ | 802 |  |  | $ | 27 |
Consumer real estate |  | 768 |  |  | 8 |  |  | 769 |  |  | 22 |
Construction and land development |  | 637 |  |  | 5 |  |  | 547 |  |  | — |
Commercial and industrial |  | 25 |  |  | 1 |  |  | 62 |  |  | 5 |
Consumer and other |  | 14 |  |  | 1 |  |  | 8 |  |  | 1 |
|  | 1,879 |  |  | 43 |  |  | 2,188 |  |  | 55 |
Impaired loans with a valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 12 |  |  | 1 |  |  | 6 |  |  | — |
Consumer real estate |  | 248 |  |  | 6 |  |  | 576 |  |  | 13 |
Construction and land development |  | 14 |  |  | — |  |  | — |  |  | — |
Commercial and industrial |  | 498 |  |  | 10 |  |  | 280 |  |  | 10 |
Consumer and other |  | 28 |  |  | — |  |  | 68 |  |  | 3 |
|  | 800 |  |  | 17 |  |  | 930 |  |  | 26 |
PCI loans: |  |  |  |  |  |  |  |
Commercial real estate |  | 1,894 |  |  | (10 | ) |  | 11 |  |  | 3 |
Consumer real estate |  | 851 |  |  | 3 |  |  | — |  |  | — |
|  | 2,745 |  |  | (7 | ) |  | 11 |  |  | 3 |
Total impaired loans |  | $ | 5,424 |  |  | $ | 53 |  |  | $ | 3,129 |  |  | $ | 84 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period, Carrying Amount of Loans | The Company has acquired loans where there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans are as follows (in thousands):
| September 30, |  | December 31,
| 2019 |  | 2018
Commercial real estate | $ | 24,651 |  |  | $ | 24,849 |
Consumer real estate | 9,127 |  |  | 11,108 |
Construction and land development | 2,697 |  |  | 5,731 |
Commercial and industrial | 5,633 |  |  | 5,824 |
Consumer and other | 556 |  |  | 892 |
Total loans | 42,664 |  |  | 48,404 |
Less: Remaining purchase discount | (12,193 | ) |  | (14,246 | )
Total loans, net of purchase discount | 30,471 |  |  | 34,158 |
Less: Allowance for loan losses | (116 | ) |  | — |
Carrying amount, net of allowance | $ | 30,355 |  |  | $ | 34,158 |
Schedule of Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement | Activity related to the accretable yield on loans acquired with deteriorated credit quality is as follows (in thousands):
| Three Months Ended |  | Nine Months Ended
| September 30, |  | September 30,
| 2019 |  | 2018 |  | 2019 |  | 2018
Accretable yield, beginning of period | $ | 8,280 |  |  | $ | 7,206 |  |  | $ | 7,052 |  |  | $ | 9,287 |
Additions | — |  |  | — |  |  | — |  |  | 1,292 |
Accretion income | (1,073 | ) |  | (746 | ) |  | (3,353 | ) |  | (3,776 | )
Reclassification | 1,033 |  |  | 2,516 |  |  | 2,392 |  |  | 2,898 |
Other changes, net | 390 |  |  | 243 |  |  | 2,539 |  |  | (482 | )
Accretable yield, end of period | $ | 8,630 |  |  | $ | 9,219 |  |  | $ | 8,630 |  |  | $ | 9,219 |

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